Ductless Mini splits work by moving the refrigerant through compressed lines, rather than blowing the air around. Since you already have space in the ceilings and walls currently occupied by ducts, you can probably get a ceiling cassette style rather than the big wall units.

A lot of these mini split systems are also heat pumps, which are more than 100% efficient at heating down to most exterior temperatures when compared to gas or electric heating.

My boy Technology Connections has some really good videos explaining how heat pumps actually work and how the efficiency curves don't really line up the way you might think. They work fine well below 35f especially if you're getting one that's intended for places that regularly get that cold during the winter. The crossover point where electricity is more efficient depends on the heat pump installed, but it's somewhere between -15F and 0F, definitely not anywhere close to as high as 35F.

Yeah they're a bit less efficient at these extremely low temperatures, but that doesn't really matter and the electrical heating you need on those occasional really cold days can easily be supplied by a strategically placed plug in space heater.

You might also find that replacing your ductwork with a ductless mini split system could be more cost effective, especially depending on your power company's rebates which are often shockingly good. There are also some organizations and programs like the DoE's Weatherization Assistance Program that help homeowners with funding this type of improvement.

With ductless you move refrigerant instead of air look up ductless mini-split systems.

Side note, you might find the work of Technology Connections helpful: https://www.youtube.com/watch?v=43XKfuptnik

Minisplits is the way to do ductless heating and cooling if it's a heat pump, yeah heat pumps have a limit where they switch over to an alternative heating source after a point. Don't know what's the lowest it gets to in your area though it doesn't have to be all electrical if you have a furnace going. So the many splits work by having air handlers that receive the refrigerant and each turn on as needed in the buildings, you install them in each room turn on and let them do their thing as they send refrigerant back to the outdoor unit.

Yeah they need work bad prob have more staff on hand than they need and looking to make sure they get paid

Yes basically half of the cost is the equipment and the other half is labor. Most household work is priced like that. I paid more on top because I needed a new air duct plenum which is the main distribution box for the individual runs to the rooms since the original one was leaking cold air into the attic and was undersized. My whole system is fucky because the original builders didn’t use the correct flex ducting.